Letter to send to DCA for default within two years

confused77_2

Hi Guys,

I have couple of threads recently regarding me being a victim of identity fraud. So long story short, i need to find out how Lowell has come up the figure of £3,800 and the advice i got here was to send them a letter in writing but all templates I could find are for debts that were incurred 6 years but the one on my file is only two years old. Is there any template that I could use for debts that are not statue barred?

Sorry if i did not need to open a new thread.


Thanks,
Confused77

happy_bunny_2

Just write insisting you receive a statement showing what every bit of the balance is for.

If they fail, complain, then refer to FOS.

chanz4

So was it id fraud.

sourcrates

confused77 wrote: »

Hi Guys,

I have couple of threads recently regarding me being a victim of identity fraud. So long story short, i need to find out how Lowell has come up the figure of £3,800 and the advice i got here was to send them a letter in writing but all templates I could find are for debts that were incurred 6 years but the one on my file is only two years old. Is there any template that I could use for debts that are not statue barred?

Sorry if i did not need to open a new thread.


Thanks,
Confused77

Your name and address

date


Lowell address & postcode


Dear Lowell,


"COMPLAINT"


I write in response to your recent letter regarding an alleged debt of £3800.
I must inform you that I have no knowledge of this supposed "debt".
I believe this to be a case of identity fraud.


To this end I require you to supply me with written proof of how this debt was accumulated, including statements of said account, how, and where, the debt was amassed, if any payments were received.
If any goods formed any part of this agreement, what the goods were, and where were they sent, details of any charges or interest that have been added, copies of any agreements pertinent to this account.


Please supply this information within 28 days, failure to do so will see this matter referred to the FOS, and a complaint lodged with the FSA.


yours sincerely


Confused77

confused77_2

sourcrates wrote: »

Your name and address

date


Lowell address & postcode


Dear Lowell,


"COMPLAINT"


I write in response to your recent letter regarding an alleged debt of £3800.
I must inform you that I have no knowledge of this supposed "debt".
I believe this to be a case of identity fraud.


To this end I require you to supply me with written proof of how this debt was accumulated, including statements of said account, how, and where, the debt was amassed, if any payments were received.
If any goods formed any part of this agreement, what the goods were, and where were they sent, details of any charges or interest that have been added, copies of any agreements pertinent to this account.


Please supply this information within 28 days, failure to do so will see this matter referred to the FOS, and a complaint lodged with the FSA.


yours sincerely


Confused77

Thanks for this mate, really help. I used a similar template which i got from national debt agency that allows all details to be sent within 12 days.

So now the company has replied back saying they will do their best to get the information to me within 12 days but it could be that they might not be able to get all the information within the asked time frame and will keep me update if there are any delays.


So what do you think should be the next step after the given time frame?

Thanks,
Confused

happy_bunny_2

It may take them a month or so.

Sounds like that's a CCA request letter rather than a prove it one.

I would also send the one Sourcrates posted as well.

HB